Zvikanganiso muEOB yako Inogona Kukonzera Iwe Zvinetso NeInishuwarenzi Yako
Tsanangudzo yeZvibatsiro (EOB) isimboti kana chirongwa chinogona kutumirwa kwauri nekambani yako ye inshuwarisi mwedzi yakawanda mushure mekunge iwe uine rubatsiro rweutano rwakabhadharwa nekambani ye inshuwarisi.
EOB yako inofanirwa muzvenhau yako yekubhadhara yezvechiremba. Chiongororai zvakanyatsoita kuti uone kuti iwe wakagamuchira basa iri kurikweretwa, mari iyo chiremba wako akagamuchira uye mugove wako wakarurama, uye kuti kuongororwa kwako uye nzira yako yakanyorwa uye yakanyorwa .
Mahofisi akawanda echiremba, zvipatara, uye makambani ekubhadhara mune zvekurapa anoita zvikwereti zvekubhadhara . Zvikanganiso zvakadaro zvinogona kuvhiringidza uye zvingave zvakakomba, zvinoguma kwenguva refu yemari. EOB inogonawo kuva chikonzero chekubhadhara kubhadhara kwechiremba. Kambani yako yeinishuwarenzi inogona kunge iri kubhadhara mazvikwereti akatengeswa panzvimbo yako zvausina kugamuchira.
Mienzaniso yezvikanganiso muEOB yako
Kudhinda Kwechipiri
Mary J. akashanyira chiremba wake wepamusoro (physician) (PCP) uye aiva nechifukidzo che X-ray nekuda kwekukanganiswa kusingaperi. PCP yake yakatumira X-raya kune radiologist kuti iverengwe. Mwedzi unotevera Maria akawana EOB uye musayiri we radiologist. Apo akatarisa paEOB yake akaona kuti vose PCP yake uye radiologist vakabhadhara kambani ye inshuwarisi kuti vaverenge X-ray. Kambani yeInishuwarensi yakaramba chirevo ichi kubva kune radiologist.
Maria zvakarurama haana kubhadhara radiologist. Akadana kambani yake ye inshuwarisi kugadzirisa dambudziko racho. Iko kukanganisa kwakaitwa nekambani yebhadharo yePCP.
Kusarura Kwaunoita Mari Yako
Robert M. akanga avhiyiwa kunze kwechirikadzi paruoko rwake. Ari muPPO uye anokwereta coinsurance ye 20% nokuda kwechirongwa chekurapa. Achitevera kuvhiyiwa, akatumirwa mushumo kubva kukambani yekubhadhara chiremba ye $ 1000, 20% yechiremba wechiremba we $ 5000 bhiri. Zvisinei, apo Robert akakagamuchira EOB yake, akati kunyange zvazvo chiremba chiremba akabhadhara madhora 5000, akabhadharwa chete $ 3000 neRobert's health plan.
Robert akaita mathemati uye akafunga kuti aifanira kuripa 20% ye $ 3000, kwete 20% ye $ 5000. Urongwa hwake hwehutano hwakatsigira kuti hwakarurama uye Robert akakwanisa kubhadhara $ 600 pane $ 1000.
Kuziva Zvakaipa kana Nzira
Betsy D. akaenda kuna PCP yake nehuro. Paakamugamuchira EOB akacherechedza kuti panzvimbo yekubhadhara tsika yemutsipa, hofisi yake yachiremba yakanga yakanganisa kutengesa chirwere cheshuga cheshuga. Purogiramu yepakombiyuta inoshandiswa nekambani yake yekubhadhara chiremba inowedzera kuongororwa kwechirwere cheshuga, izvo Betsy asina.
Kunyange zvazvo kwakanga kusina kukanganisa kwemari, Betsy akachenjera zvikuru akadana chirongwa chake chehutano uye hofisi yechiremba kuti agadzirise kuongororwa kwekanganiso. Mune ramangwana, kana achida kutenga inshuwalhu yehutano, aigona kurambwa nokuti akanga aonekwa kuti ane chirwere cheshuga. Kana, kana isingarambidzwi, hurongwa hutsva hwehutano hunogona kuisa mamiriro ekutanga akamirira kutarisira nguva.
Inishuwarenzi Kubiridzira uye Kurapa Kwekurapa
Kunze kwokuva nehutano hwakasimba hwehutano hwepabonde, Jerry R. ari muhutano hwakanaka uye anofarira kutamba gorofu muFlorida yekurasira. Akanyoresa Medicare nguva dzose uye anoshanyira chiremba wake kaviri kusvika katatu pagore. Jerry akagamuchira EOB anoratidza kuti akanga agamuchira chikwama chavasingadi, mubhedha wezvipatara kuitira kushandiswa kwemusha, uye mishonga inotakura kuti imubatsire kufema.
Jerry akadana hofisi yechiremba kuti asimbise kuti chiremba wake akanga asina kutora chikwereti kune mumwe murwere. Mukoti muhofisi yechiremba wake akaudza Jerry izvi zvaive zvichida kunyengedza Medicare uye akamupa nhamba yekunyengera yekunyengera kuti adane. Jerry akagovera mapepa ake nehofisi yeMedare yeko.
Kuchinja zvirongwa zvehutano
Marita S. achangobva kuchinja mabasa uye aifanira kuchinja zvirongwa zvehutano. Kwapera vhiki mushure mokushanduka, aive nekushanyira kwachiremba kwekuteverwa kwecholesterol yake yakakwirira. Pamwe pamwe nehofisi yake vanoshanyira, Marita aivewo nekuongorora ropa. Akashamiswa paakagamuchira EOB ichiratidza kuti chiremba uye mabhii ekuraira mabasa ake akaregwa.
Marita akaona kuti EOB yakanga isiri yeurongwa hwake hutsva hweutano.
Marita akadana hofisi yechiremba uye akawana kuti hofisi yekubhadhara yakanga isati yavandudza ruzivo rwake uye yakanga yatora chirongwa chake chekare chehutano.
Tarisa Pamusoro Pose EOB uye Bhidha Bhidha
Chokutanga, iva nechokwadi chokuti unogamuchira EOB mushure mekushanyira chiremba wako kana mumwe mupi wehutano. Nguva dzose kana mupiki achiisa chikwata panzvimbo yako, kambani yako ye inshuwarisi inofanira kukutumira iwe EOB. Dana chirongwa chako chehutano kana iwe usina kuwana EOB mukati memavhiki matanhatu kusvika masere ehutano hwakabatana.
Paunowana EOB yako:
Tarisa kuti uone kuti mazuva nemasabata wawakagamuchira zvakarurama. Kana ukawana kukanganisa kana iwe usina chokwadi pamusoro pekodhi, tumira hofisi yechiremba wako uye bvunza bharisi yekubhadhara kuti utsanangure zvinhu zvausingazvinzwisisi.
Cherechedza kuti zvinokwanisika kubhadhara kubhadhara kana kurapwa kwekurapa. Kana iwe usina kugamuchira mashizha kana zvigadzirwa zvakanyorwa pane EOB, taura neurongwa hwehutano hwako.
Verenga mazwi kana tsanangudzo yemitemo pasi kana shure kweEOB yako. Aya mazwi achajekesa kuti nei hurongwa hwako hwehutano huri kubhadhara kune imwe sangano kana nzira kana kubhadhara zvishomanana. Mamwe mazwi akafanana ndeaya:
- kunze-we-network mupiki - wakashandisa mubatsiri asiri muurongwa hwehutano hwehutano hwako uye hurumende inogona kunge isina kuvharwa kana inogona kuiswa pasi pesangano
- basa harisi rubatsiro rwakaputirwa - inishuwarenzi yako haifaniri kuchengetedza basa iri, sekugadzirwa kwezvigadzirwa
- basa harisi iro rinodiwa mune zvemishonga - chiremba wako haana kunyora kuti basa kana nzira yaive yakakosha kune hutano hwako kana hukama hwakanaka
- yakaipa - inoratidza kuti mutapi wako wehutano akaita shanho yekunyoresa, zvichienderana nekuongorora kwako kana kuti nzira
Kune matanho akawanda mukutora kuzadza uye kuendesa chiremba chekurapa. Vari munzira, vanhu uye makombiyuta anobatanidzwa mukugadzirisa zvinogona kuita zvikanganiso. Kana kuda kwako kwakarambidzwa, usanyara kudana hofisi yako yechiremba uye chirongwa chako cheutano.